Credit score, Oct. 3 -- Large language models do not only crunch numbers, they also craft bespoke roadmaps to financial health. Instead of receiving generic tips such as "pay your bills on time," what if you receive hyper-personalised advice such as this: Based on your payment patterns, you could consolidate your two smallest credit cards to boost your score by 25 points in the next three months.

While lenders, credit bureaus such as CIBIL, Experian, and CRIF High Mark, and fintechs are taking steps to adopt these tools, the question that arises is this: Is it worth seeking hyper-personalised advice?

The growth of personalised credit advice took place because of AI's ability to process real-time data at scale, which transformed traditio...